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"Back*" Budget budget and budget Always keep on top ... . . . Of your finances | |||
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"Back* Budget budget and budget Always keep on top ... . . . Of your finances" Wise words indeed  | |||
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"Back* Budget budget and budget Always keep on top ... . . . Of your finances" This is an art I need to madter | |||
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"Back* Budget budget and budget Always keep on top ... . . . Of your finances This is an art I need to madter" I've been in trouble in the past Now I have a spreadsheet I keep of everything and budget on key things like food, transport, events etc I can say how much I have to the penny ... just about begging disciplined about it | |||
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"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)! What do you do to save money? How would you cut in order to so so? Do you know every penny that goes in and out? Is being organised the key?" i eat frugally  | |||
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"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)! What do you do to save money? How would you cut in order to so so? Do you know every penny that goes in and out? Is being organised the key?" The first step to saving money is working out exactly where its going by recording every penny you spend & then look at ways you can make it more efficient. Being organised is always the key | |||
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"Back* Budget budget and budget Always keep on top ... . . . Of your finances This is an art I need to madter I've been in trouble in the past Now I have a spreadsheet I keep of everything and budget on key things like food, transport, events etc I can say how much I have to the penny ... just about begging disciplined about it" That word disciplined ..this is not second nature to me..this is where I fall short..time to re-think | |||
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"Back* Budget budget and budget Always keep on top ... . . . Of your finances This is an art I need to madter I've been in trouble in the past Now I have a spreadsheet I keep of everything and budget on key things like food, transport, events etc I can say how much I have to the penny ... just about begging disciplined about it That word disciplined ..this is not second nature to me..this is where I fall short..time to re-think" Do you need disciplining?  | |||
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"Back* Budget budget and budget Always keep on top ... . . . Of your finances This is an art I need to madter I've been in trouble in the past Now I have a spreadsheet I keep of everything and budget on key things like food, transport, events etc I can say how much I have to the penny ... just about begging disciplined about it That word disciplined ..this is not second nature to me..this is where I fall short..time to re-think" shop at Aldi food and beverage will meet you there | |||
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"One can live on very little - shops like Aldi and Lidl help, getting up early to walk or catch the bus or cycle instead of a car helps. Heating off and blankets on... All in all, it’s effective forward planning and a ‘save’ mindset. It’s a miserable existence to do it for long periods though although of course I’m aware some people have no choice. " It is miserable to do it and totally agree, as a way of life that's got to be depressing..but needs must | |||
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"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)! What do you do to save money? How would you cut in order to so so? Do you know every penny that goes in and out? Is being organised the key?" Every single year I swear to myself that i'll stick to predetermined budget and every year I fail miserably!
I think knowing how to spot deals throughout the year and buying way ahead of time works well i've been told  | |||
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"Back* Budget budget and budget Always keep on top ... . . . Of your finances This is an art I need to madter I've been in trouble in the past Now I have a spreadsheet I keep of everything and budget on key things like food, transport, events etc I can say how much I have to the penny ... just about begging disciplined about it That word disciplined ..this is not second nature to me..this is where I fall short..time to re-think Do you need disciplining? "Totally need disciplining ..I need to be taken in hand | |||
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"Back* Budget budget and budget Always keep on top ... . . . Of your finances This is an art I need to madter I've been in trouble in the past Now I have a spreadsheet I keep of everything and budget on key things like food, transport, events etc I can say how much I have to the penny ... just about begging disciplined about it That word disciplined ..this is not second nature to me..this is where I fall short..time to re-think Do you need disciplining?
Totally need disciplining ..I need to be taken in hand "I could guide you | |||
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"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)! What do you do to save money? How would you cut in order to so so? Do you know every penny that goes in and out? Is being organised the key?i eat frugally "I was impressed with your cheap main course ... £35 wasn't it   | |||
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"I'm terrible with money ,end of" give it to me I'll give you pocket money | |||
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"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)! What do you do to save money? How would you cut in order to so so? Do you know every penny that goes in and out? Is being organised the key?i eat frugally
I was impressed with your cheap main course ... £35 wasn't it "lol i got the two peronis free | |||
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"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)! What do you do to save money? How would you cut in order to so so? Do you know every penny that goes in and out? Is being organised the key?i eat frugally
I was impressed with your cheap main course ... £35 wasn't it lol i got the two peronis free "bargain | |||
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"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)! What do you do to save money? How would you cut in order to so so? Do you know every penny that goes in and out? Is being organised the key?i eat frugally
I was impressed with your cheap main course ... £35 wasn't it "That is a great point | |||
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"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)! What do you do to save money? How would you cut in order to so so? Do you know every penny that goes in and out? Is being organised the key?i eat frugally
I was impressed with your cheap main course ... £35 wasn't it "and the meal was delicious | |||
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"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)! What do you do to save money? How would you cut in order to so so? Do you know every penny that goes in and out? Is being organised the key?i eat frugally
I was impressed with your cheap main course ... £35 wasn't it lol i got the two peronis free "they were to forget about the plastic bit in the food lol | |||
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"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)! What do you do to save money? How would you cut in order to so so? Do you know every penny that goes in and out? Is being organised the key?i eat frugally
I was impressed with your cheap main course ... £35 wasn't it and the meal was delicious " | |||
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"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)! What do you do to save money? How would you cut in order to so so? Do you know every penny that goes in and out? Is being organised the key?i eat frugally
I was impressed with your cheap main course ... £35 wasn't it and the meal was delicious "don't believe you.... think I need an invite to be proved wrong | |||
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"leave bank cards at home give yourself a small amount of cash each week. when the cash is gone ... it's gone no spending with the card meal plan take lunch to work stop buying coffee/treats when out " Your a kill joy..
I love buying coffee out in the morning and I buy lunch...this is a good start | |||
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"I'm terrible with money ,end ofgive it to me I'll give you pocket money "My daughter tried this,but she gave up after a week | |||
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"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)! What do you do to save money? How would you cut in order to so so? Do you know every penny that goes in and out? Is being organised the key?i eat frugally
I was impressed with your cheap main course ... £35 wasn't it and the meal was delicious
don't believe you.... think I need an invite to be proved wrong "lol hey i have a pic of meal im having lobster tomorrow | |||
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"I'm terrible with money ,end ofgive it to me I'll give you pocket money
My daughter tried this,but she gave up after a week "why? | |||
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"Make notes of what you’re spending and where. You soon realise where you can make cuts. A coffee on your way to work everyday might cost you £15 a week for example. Small changes can make big savings " I was previously adding it up. It was quite a chunk of money over a month period. | |||
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"leave bank cards at home give yourself a small amount of cash each week. when the cash is gone ... it's gone no spending with the card meal plan take lunch to work stop buying coffee/treats when out Your a kill joy..
I love buying coffee out in the morning and I buy lunch...this is a good start "coffee is £3.20 a pop thats a definite saving | |||
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"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets Mrs x" Good advice | |||
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"leave bank cards at home give yourself a small amount of cash each week. when the cash is gone ... it's gone no spending with the card meal plan take lunch to work stop buying coffee/treats when out Your a kill joy..
I love buying coffee out in the morning and I buy lunch...this is a good start " | |||
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"I'm terrible with money ,end ofgive it to me I'll give you pocket money
My daughter tried this,but she gave up after a week why? "Because she couldn't cope with me going on about being skint | |||
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"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets Mrs x Good advice" i said about Aldi first omg | |||
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"I'm terrible with money ,end ofgive it to me I'll give you pocket money
My daughter tried this,but she gave up after a week why?
Because she couldn't cope with me going on about being skint "lol | |||
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"I've just cancelled my window cleaner. Saving £25 a month. " exactly who needs to see out | |||
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"I've just cancelled my window cleaner. Saving £25 a month. " Your posh..you had a window cleaner..that's something else, my windows need cleaning  | |||
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"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets Mrs x Good advicei said about Aldi first omg "PML | |||
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"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets Mrs x Good advicei said about Aldi first omg
PML "pissed my leg? | |||
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"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets Mrs x Good advicei said about Aldi first omg
PML "*ahem!* see above! | |||
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"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets Mrs x Good advicei said about Aldi first omg
PML pissed my leg? "Hey i can piss with the best of them..legs included | |||
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"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets Mrs x Good advicei said about Aldi first omg
PML pissed my leg?
Hey i can piss with the best of them..legs included "omg shes got legs too my kinda woman | |||
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"I'm absolutely shocking and just spend spend spend. I really need to learn to behave with my finances" Ah me too x | |||
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"I'm absolutely shocking and just spend spend spend. I really need to learn to behave with my finances" what about your fiancés | |||
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"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets Mrs x Good advicei said about Aldi first omg
PML pissed my leg?
Hey i can piss with the best of them..legs included omg shes got legs too my kinda woman "od dear dear me | |||
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"Don’t buy any new clothes or shoes for one year " Say WHAT...say it's not so! | |||
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"Don’t buy any new clothes or shoes for one year Say WHAT...say it's not so! "Haha yes it’s true! | |||
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"Don’t buy any new clothes or shoes for one year Say WHAT...say it's not so!
Haha yes it’s true!"i love shopping an buying new clothes so I couldn’t do that but yes I was saying earlier I need to think of ways how to save money better | |||
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"Don’t buy any new clothes or shoes for one year Say WHAT...say it's not so!
Haha yes it’s true!"I'm just going to sit in the corner and cry!! | |||
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"Don’t buy any new clothes or shoes for one year Say WHAT...say it's not so!
Haha yes it’s true!
I'm just going to sit in the corner and cry!!"It's about balance Bank balance | |||
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"Don’t buy any new clothes or shoes for one year Say WHAT...say it's not so!
Haha yes it’s true!
I'm just going to sit in the corner and cry!!"I’ll bet you’ve got loads of stuff in your wardrobe | |||
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"Radical method I read and is related to FIRE (Financial Independence Retire Early) is to not spend anything for 6 months. No coffees, lunches, dinners etc. Eat at home, packed lunch etc Build 6 months of running costs in saving s accounts. Invest in Income producing assets. Sell anything you don't need. There are variations on this to suit each persons style, income and needs. There is no one size fits all." Hmmm I know..I need to get my head out of the take away coffee cups. I like that idea of building 6 months of running costs. Coupled with having a real knowledge of ins and outs is a great start. | |||
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"I feel like I'm good with budgeting and then I check my bank account. Bookmarking!! We switched to Aldi years ago and worked out we saved around £250 a month. " That is a massive saving  | |||
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"Don’t buy any new clothes or shoes for one year Say WHAT...say it's not so!
Haha yes it’s true!
I'm just going to sit in the corner and cry!!
It's about balance
Bank balance"Yes..I know | |||
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"Don’t buy any new clothes or shoes for one year Say WHAT...say it's not so!
Haha yes it’s true!i love shopping an buying new clothes so I couldn’t do that but yes I was saying earlier I need to think of ways how to save money better "You too | |||
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"Don’t buy any new clothes or shoes for one year Say WHAT...say it's not so!
Haha yes it’s true!
I'm just going to sit in the corner and cry!!
I’ll bet you’ve got loads of stuff in your wardrobe "I have so much stuff that i have some charity bags to fill. I come across stuff I've forgotten i even had. | |||
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"Don’t buy any new clothes or shoes for one year Say WHAT...say it's not so!
Haha yes it’s true!i love shopping an buying new clothes so I couldn’t do that but yes I was saying earlier I need to think of ways how to save money better
You too "thank you for the advice lovely I will keep that in mind | |||
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"check if your on best deals for utilities, broadband, mobile phone etc if not ... switch check if there's any incentive for swapping banks. some offer £100+ to swap " i have never switched hmmm.. | |||
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"check if your on best deals for utilities, broadband, mobile phone etc if not ... switch check if there's any incentive for swapping banks. some offer £100+ to swap i have never switched hmmm.." bank does it all for you | |||
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"Beans on toast and treat yourself occasionally and get the ones with the little sausages "No..I'll settle for the beans. thanks though | |||
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"check if your on best deals for utilities, broadband, mobile phone etc if not ... switch check if there's any incentive for swapping banks. some offer £100+ to swap i have never switched hmmm.. bank does it all for you " oh ok x | |||
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"Always plan ahead .buy all your wrapping paper ,cards a nd any extra decks that you might need in January when they are cheap.buy Christmas's gifts all year when you spot a bargain or that something hopefully that way you only have a marginal extra spend in December .one last tip if you have a store card that gives points save them all for your Christmas's food and booze shop . Happy Christmas all !!" Thanks and a very merry Christmas to you x | |||
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" treat yourself occasionally and get the ones with the little sausages "Does anybody like little sausages ? | |||
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" treat yourself occasionally and get the ones with the little sausages
Does anybody like little sausages ?"Noooo | |||
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"Open another bank account and use it for spending money. Calculate bills and outgoings, then transfer whatever's left of your wage into the spending account. Keep a piece of paper with the balance (like on old bank books) and mark off all receipts and cash you take out. Note what they money was spent on. Makes you aware of how much money you have to spend and what you're spending it on. " great advice | |||
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"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)! What do you do to save money? How would you cut in order to so so? Do you know every penny that goes in and out? Is being organised the key?" For me the key is visibility. Know what you income is. Know what your unavoidable outgoings are (mostly bills). Know what the difference is. That's what you can spend. Reduce it by an amount that you intend to save. Do that sort of thing and it can help a lot. | |||
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